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SME Working Capital Loan for Singapore SMEs

Business financing in Singapore

SME Working Capital Loan in Singapore

Everyday cash flow, payroll, inventory and expansion. Includes the government-backed Enterprise Financing Scheme (EFS) — rates set by the lender.

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Typical amount

Up to S$500,000

Tenure

1 – 5 years

Best for

Everyday cash flow, payroll, inventory and expansion

The workhorse of Singapore SME financing. Under the government-backed Enterprise Financing Scheme (EFS), local banks offer working capital loans of up to S$500,000 with Enterprise Singapore sharing part of the default risk. We help you compare offers across the panel and prepare a clean application so cash-flow gaps never stall your business.

What you get

  • Unsecured — no property or collateral required
  • Enterprise Financing Scheme (EFS) eligible
  • Fixed monthly repayments over 1–5 years
  • For SMEs with at least 30% local shareholding

How to apply

  1. Message us your business type, monthly turnover and how much you need.
  2. We shortlist the licensed lenders whose criteria fit your business.
  3. We help you assemble a clean application (ACRA profile, bank statements, financials).
  4. Compare the offers that come back and choose — with no obligation.

Check if you qualify for a sme working capital loan

Free, no-obligation. We’ll come back with realistic options for your business.

Get a free quote

Other financing options

Unsecured Business Term Loan

S$50,000 – S$500,000 · 1 – 5 years

Invoice Financing & Factoring

Up to 90% of invoice value · Revolving (per invoice)

Equipment & Machinery Financing

Up to 90% of asset cost · 1 – 7 years

Business Loans Singapore is an independent loan referral and matching service. We are not a bank, finance company, or licensed moneylender, and we do not lend money. All financing is provided by licensed banks and financial institutions regulated by the Monetary Authority of Singapore (MAS). Loan approval, amounts, tenures and interest rates are determined solely by the lender based on your business profile. Information on this website is general in nature and does not constitute financial advice.